Signature authorisation allowed?
- Thread starter singist
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Soldato
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What if the chip and pin machine breaks?
Or if someone from abroad without a chip on their card wants to buy something?
Or if someone from abroad without a chip on their card wants to buy something?
Associate
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I'm sure the shop can reserve the right to refuse anyone and in that case I'm sure if this is how they want to pick and choose customers it's their choice, only people losing out are them because customers will go elsewhere
Soldato
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machine broke in tesco's, asked me to sign,
i had printed out my forum sig luckily so i didnt have to draw it while they wait, like the last time
Unless it reduces their insurance premiums and other costs, which it no doubt will. They wouldn't d it unless it turned a profit.
Legal, absolutely. Stupid, possibly, given that banks do support and offer chip and signature cards to some customers...
From a business perspective, I can see why they are doing it on one hand, because bypass overrides expose the shop to liability for fraud (which if chip and pin is used the liability lies with the bank), but on the flip side, it could impact their customer base.
Do remember though that the banks do not guarantee they will authorise bypass overrides (eg signatures rather than pin entry) for payment since 2006.
From a business perspective, I can see why they are doing it on one hand, because bypass overrides expose the shop to liability for fraud (which if chip and pin is used the liability lies with the bank), but on the flip side, it could impact their customer base.
Do remember though that the banks do not guarantee they will authorise bypass overrides (eg signatures rather than pin entry) for payment since 2006.
Why wouldn't it be legal. Good business sense. Everyone has chip and pin these days.
The few customers they lose will be far out weighted by the cost of fraud protection.
If the system goes down like it sometimes does then I expect they would allow signatures.
The few customers they lose will be far out weighted by the cost of fraud protection.
If the system goes down like it sometimes does then I expect they would allow signatures.
Soldato
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We issue 'Chip NO PIN' cards still on occasion, generally to those who struggle either with their sight or with numbers. My mum is registered blind and has one and the amount of numpties on tills that have basically ignored the fact that they CAN take sigs for some people. My wife's mate is an ASDA checkout girl and she's aware of it, they are told in training apparently, just the average IQ of the people working there is hardly going to be high now is it....
Surely it wouldn't be hard if you're blind, because the 5 key is marked just like a phone
I don't normally look at the numbers, I type it in under my hand.
It's legal on the grounds that a retailer can accept (or decline) whatever payment method they see fit, but they'd best watch their step nonetheless as there might be a case to answer on discrimination/equal access grounds. Some people just can't use PIN pads, for whatever reason, and thus can ask for a Chip and Signature card.
Surely it wouldn't be hard if you're blind, because the 5 key is marked just like a phone
That's what I thought, It must be much easier than signing something.
Soldato
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Surely it wouldn't be hard if you're blind, because the 5 key is marked just like a phone
I don't normally look at the numbers, I type it in under my hand.
Depends on the person and when they became blind from memory. My mother is 67, been registered blind for 60 years and never used a PIN or numeric pad so for her it's a nightmare. If you're used to it when you become blind or even trained from an early age, it's not so much of a problem. She used to issue cheques for everything as she has a 'template' that fits over the cheque to help fill it in.
Caporegime
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And they can sell it to anyone they want, or anything they want. They don't need a reason, the customer has little rights until he has paid for the goods. Until then, the goods does not belong to the customer and legally, he is half way to be guilty of theft actually (Appropriation).
I think they can refuse what they like, however, when signing up to a card acceptance programme with the acquiring bank, they are bound by that agreement, and i'm sure there are some clauses in the contact about NOT declining a payment for a branded card which bears the logo of say M/C, Visa, Maestro et al, if these are included in the agreement, in favour of an alternative method of payment.
Card issuers still issue non chip and pin cards for the disabled.
Also, i wonder whether this would fall under the Disability Discrimination Act, about making reasonable adjustments for the disabled?
Card issuers still issue non chip and pin cards for the disabled.
Also, i wonder whether this would fall under the Disability Discrimination Act, about making reasonable adjustments for the disabled?
The banks themselves do not guarantee they will authorise a signed for payment made with a chip and pin card.
And they normally flag up on the terminal, so it's a special case.
See above, it flags up on the terminal, and so is unlikely to be declined. What the real concern from a business point of view is relates to bypass overrides, where the till operator overrides the pin request and gets them to sign instead.
GTFO always makes me laugh
Associate
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Sometimes I eat food at supermarkets before I get to the till.
(perfectly legal)
I often bring empty wrappers to the till, being refused my payment method = a free meal or snack.
(perfectly legal)
I often bring empty wrappers to the till, being refused my payment method = a free meal or snack.
You sound like Mr Bean
